Group Health Insurance
Eligible employees may enroll in one of three health insurance options - one health maintenance organization (HMO), one point of service (POS) plan, and one preferred provide organization (PPO).
Coverage may be made effective on the first of the month if it coincides with your date of hire or the next month following your date of hire.
Membership is open to all regular, continuing full-time and part-time employees who work at least 17.5 hours a week for either the fiscal or academic year and their eligible dependents. Eligible dependents under these health plans include the employee's spouse or same sex domestic partner and unmarried children under the age of 19; children who are certified as full-time students until age 25; and unmarried children who, upon becoming 19 years of age under a family plan, are mentally or physically disabled. Employees enrolled in one of the College's group health insurance family plans are responsible for obtaining health insurance for their children, whose coverage is terminated automatically upon marriage or the 19th birthday.
The cost of the premiums is shared by the College and the participating employee. Payroll deductions are made for the employee share of the cost. Cost sharing is based on an employee’s full time equivalency (FTE). Employees with FTEs of 80% and above: College cost share is 75% of monthly premium and employee cost share is 25% of monthly premium. Cost sharing for employees with an FTE of less than 80% is based on a sliding scale. Employees, who work less than the fiscal year, will have payroll deductions for the full year's health insurance costs made during the weeks in which the employee receives paychecks.
Changes in Coverage
If an employee experiences a "life status change," i.e. marriage, divorce, birth or adoption, change or loss of employment, death, he/she may make changes to his/her health insurance coverage (i.e. single to family, etc.) outside of the open enrollment period if the employee notifies the Human Resources Department of the life status change within 30 days. In the case of loss of employment of a spouse or partner which involves a loss of health insurance coverage, an employee can enroll in one of the College's health insurance plans if they do so within 30 days of loss of coverage. Otherwise, the employee will need to wait until the open enrollment period, which is held annually, and provides an employee the opportunity to make changes to certain benefit plans.
Membership in the group health insurance plans ceases at the end of the month in which the participant leaves the employment of the College or no longer meets the College's eligibility requirements unless the employee qualifies for coverage and elects coverage under the COBRA regulations.